Divine Intervention or Just plain luck?

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Have you ever had the experience of for instance...traveling down a road, maybe speeding, and you (for whatever reason)decide to slow down a little..in the next couple of miles you come across a fatal accident. You realize that if you had kept up at the speed you were doing originally, that you might have been the one in that accident and died? This is just one example, but do you feel that this is some type of intervention or do you just consider it plain out luck? I'd like to hear your views AND your experiences like this.